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1520 Oxford St
C- Composite 52.43
Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +16.9/30.0
  • ARV discount +15.0/15.0
  • DSCR +5.2/10.0
  • 1% rule +4.2/10.0
  • Livability +3.6/5.0
  • Schools +2.6/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$230,000

1520 Oxford St · Douglasville, GA 30134
3 bd · 1.5 ba · 2,009 sqft · SingleFamily public records · 65 Days on market
Built 1961 0.35 ac lot $114/sqft · 17% below area Est $278k · 17% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

Key facts

  • Fenced backyard
  • 0.35 acre lot
  • 4 parking spots

Tags

FENCED BACKYARD

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.5-bath single-family listed at $230k.

Deal economics

  • At list price, monthly cash flow is $150 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $211k (8.1% below list).
  • Recommended offer: $211k (8.1% below list) — sets the bar for 1% rule.
  • Cap rate 7.1% vs local median 4.5% in Douglasville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 71/100 on livability (#82 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B; Watch: crime F, amenities F.
  • Douglas County (suburban): math 23% / reading 35% proficiency, ranked #92 of 174 in GA (top 53%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents flat; 299 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 595 units permitted in Douglas County in 2024 (72 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($77k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Douglas County population projected at +35% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 65 days — a 6% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
  • 17 sale attempts since 3y ago; this cycle's ask is 5% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

  • Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $211,369 (8.1% below list)

Questions for the listing agent

  1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
  2. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.92%
Cap rate
7.07%
Cash-on-cash
2.79%
DSCR
1.12
GRM
9.1

CMA / ARV

ARV (median comp)
$277,866
List price
$230,000
Delta
-17.23%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1541 Patricia Ln 0.19mi 3/2.0 2,059 (+2%) 1mo $289,900 $141 84
1684 Dogwood Trl 0.40mi 4/2.0 (+1) 1,976 (-2%) 7mo $302,000 $153 66
4229 Midway Dr 0.50mi 3/2.0 2,100 (+4%) 2mo $300,000 $143 65
1685 Dogwood Trl 0.44mi 3/2.0 1,990 (-1%) 13mo $249,900 $126 65
4278 Midway Dr 0.43mi 4/3.5 (+1) 2,000 (-0%) 3mo $419,000 $210 63
1580 Patricia Ln 0.18mi 3/1.5 1,735 (-14%) 13mo $193,000 $111 58
4227 Midway Rd 0.37mi 4/2.0 (+1) 1,931 (-4%) 14mo $245,000 $127 58
4365 Newton Cir 0.17mi 3/2.0 1,750 (-13%) 13mo $200,000 $114 58
5501 Somer Ridge Ct 0.58mi 4/2.0 (+1) 2,152 (+7%) 8mo $310,000 $144 48
4073 W Oak Ln 0.63mi 3/2.0 1,802 (-10%) 6mo $225,000 $125 46
4289 Midway Dr 0.46mi 3/2.5 1,795 (-11%) 13mo $250,000 $139 46
5478 Somer Mill Rd 0.63mi 4/2.0 (+1) 2,205 (+10%) 10mo $310,000 $141 39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.03% rent growth · sell at horizon

5-year hold
IRR
-15.2%
Equity multiple
0.47×
Total profit
$-33,885
Equity at exit
$34,294
10-year hold
IRR
-12.4%
Equity multiple
0.36×
Total profit
$-41,000
Equity at exit
$19,886

Cash invested: $64,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
90 Strongly Landlord-Friendly
State Georgia
90 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

ZIP-level market 30134

Home prices YoY
-22.4%
Rents YoY
0.0%
Active inventory
299
Price-to-rent
9.1×

Monthly cashflow live

Estimated rent
$2,114 high interval (Pro) →
Mortgage (P&I)
$1,206
Tax from tax record
$218 /mo · $2,619/yr
Insurance
$96
HOA
$0
Vacancy / Maint / Mgmt
$444
Net cashflow
$150

Break-even live

Break-even rent $1,924
Max offer price $230,000
Occupancy floor 88%

Sensitivity live

Price -10% $280 -5% $215 +0% $150 +5% $85 +10% $19
Rent -10% $-17 -5% $66 +0% $150 +5% $233 +10% $317
Rate -1.0pp $265 -0.5pp $208 base $150 +0.5pp $90 +1.0pp $29

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$57,500
Closing costs
$6,900
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 26 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1675 Dogwood Trl Douglasville, GA 3.0 2.0 1465 $1,740 $1.19 0d 1 0.40mi
8401 Somerton Cir Douglasville, GA 3.0 2.0 1974 $2,205 $1.12 44d 1 0.60mi
8401 Somerton Cir Douglasville, GA 3.0 2.0 1974 $2,205 $1.12 25d 1 0.60mi
5437 Somer Mill Rd Douglasville, GA 3.0 2.5 1897 $2,025 $1.07 44d 1 0.63mi
4647 Big B Rd Douglasville, GA 3.0 1.5 1600 $1,570 $0.98 5d 1 0.79mi
2010 Ayla Dr Douglasville, GA 3.0 2.5 1421 $2,000 $1.41 13d 1 0.89mi
2010 Ayla Dr Unit 1 Douglasville, GA 3.0 2.5 1421 $1,950 $1.37 0d 1 0.89mi
3009 Acacia Cir Douglasville, GA 3.0 2.5 1421 $2,200 $1.55 13d 1 0.91mi
2501 Canter Ln Douglasville, GA 3.0 2.5 1805 $2,300 $1.27 0d 6 1.17mi
3901 Denton Dr Unit 3901 Douglasville, GA 3.0 2.5 1805 $2,350 $1.30 44d 1 1.17mi
4000 Denton Dr Unit 4000 Douglasville, GA 3.0 2.5 1616 $2,199 $1.36 6d 1 1.20mi
4100 Denton Dr Unit 4100 Douglasville, GA 3.0 2.5 1805 $2,350 $1.30 5d 1 1.21mi
5610 Fetlock Way Unit 5610 , GA 3.0 2.5 1616 $2,199 $1.36 25d 1 1.23mi
880 Terrace Mill Dr Douglasville, GA 3.0 2.5 1950 $2,080 $1.07 44d 1 1.24mi
4191 Denton Dr Unit 4191 , GA 3.0 2.5 1805 $2,199 $1.22 6d 1 1.25mi
4311 Denton Dr Unit 4311 Douglasville, GA 3.0 2.5 1805 $2,350 $1.30 25d 1 1.29mi
2270 Shawnee Trl Douglasville, GA 4.0 2.5 1886 $2,250 $1.19 6d 1 1.33mi
8324 Triple Crown Dr Douglasville, GA 3.0 3.0 2000 $1,795 $0.90 0d 1 1.40mi
8324 Triple Crown Dr Douglasville, GA 3.0 2.5 2000 $1,895 $0.95 13d 1 1.40mi
6314 New Gate Dr Douglasville, GA 3.0 2.5 1848 $1,980 $1.07 44d 1 1.42mi
7796 Mountain Creek Way Douglasville, GA 3.0 2.0 1810 $1,800 $0.99 18d 1 1.43mi
7796 Mountain Creek Way Douglasville, GA 3.0 2.0 1810 $1,800 $0.99 23d 1 1.43mi
4031 Denton Dr Unit 4031 Douglasville, GA 3.0 2.5 1805 $2,250 $1.25 44d 1 1.46mi
3751 Denton Dr Unit 3751 Douglasville, GA 3.0 2.5 1805 $2,250 $1.25 44d 1 1.46mi
3790 Denton Dr Unit 3790 Douglasville, GA 3.0 2.5 1805 $2,199 $1.22 25d 1 1.46mi
3970 Denton Dr Unit 3970 Douglasville, GA 3.0 2.5 1805 $2,299 $1.27 18d 1 1.46mi

Listing history 50 events

  1. 2026-06-21
    days on market $230,000 Active 65 DOM
  2. 2026-06-18
    days on market $230,000 Active 62 DOM
  3. 2026-06-17
    days on market $230,000 Active 61 DOM
  4. 2026-06-16
    days on market $230,000 Active 60 DOM
  5. 2026-06-15
    days on market $230,000 Active 59 DOM
  6. 2026-06-13
    days on market $230,000 Active 57 DOM
  7. 2026-06-09
    days on market $230,000 Active 53 DOM
  8. 2026-06-08
    days on market $230,000 Active 52 DOM
  9. 2026-06-07
    days on market $230,000 Active 51 DOM
  10. 2026-06-04
    days on market $230,000 Active 48 DOM
  11. 2026-06-03
    days on market $230,000 Active 47 DOM
  12. 2026-06-02
    days on market $230,000 Active 46 DOM
  13. 2026-06-01
    days on market $230,000 Active 45 DOM
  14. 2026-05-31
    days on market $230,000 Active 44 DOM
  15. 2026-05-18
    status Under Contract 361-char remark
    Show marketing remark (361 chars)

    This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

  16. 2026-05-18
    status Pending 361-char remark
    Show marketing remark (361 chars)

    This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

  17. 2026-05-18
    price $230,000 361-char remark
    Show marketing remark (361 chars)

    This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

  18. 2026-05-18
    price $230,000 361-char remark
    Show marketing remark (361 chars)

    This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

  19. 2026-04-09
    listed $219,000 New 361-char remark
    Show marketing remark (361 chars)

    This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

  20. 2026-04-09
    listed $219,000 Active 361-char remark
    Show marketing remark (361 chars)

    This move-in ready home needs nothing but new owners! There is plenty of interior space including a large finished lower level bonus room. Outside, there is plenty of space to play or have your own garden in the fenced backyard. The home has been approved for a short sale and is priced to sell so make sure to schedule your showing and send in your best offer.

  21. 2026-01-15
    historical
  22. 2026-01-15
    historical
  23. 2025-12-02
    listed $249,000 New
  24. 2025-12-02
    listed $249,000 Active
  25. 2025-10-06
    status Back On Market
  26. 2025-10-06
    historical
  27. 2025-05-05
    status Under Contract
  28. 2025-05-05
    status Pending
  29. 2025-05-03
    historical
  30. 2025-04-29
    listed $255,000 New
  31. 2025-04-29
    listed $255,000 Active
  32. 2025-03-31
    historical
  33. 2025-03-31
    historical
  34. 2025-03-03
    status Active
  35. 2025-03-03
    status Back On Market
  36. 2025-02-22
    status Under Contract
  37. 2025-02-22
    status Pending
  38. 2025-02-05
    price $247,999
  39. 2025-02-05
    price $247,999
  40. 2024-12-13
    status Back On Market
  41. 2024-12-13
    status Active
  42. 2024-12-06
    status Under Contract
  43. 2024-12-06
    status Pending
  44. 2024-11-24
    price $249,999
  45. 2024-11-24
    price $249,999
  46. 2024-10-22
    price $258,000
  47. 2024-10-22
    price $258,000
  48. 2024-10-01
    price $265,000
  49. 2024-10-01
    price $265,000
  50. 2024-09-12
    listed $275,000 New

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast GA · Resets to sale price

Current annual tax
$2,619 · $218/mo
Projected year-2 tax
$2,619 · $218/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 5/10 Major 7 d/yr ≥103°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$25,364
− Mortgage interest
−$12,884
− Property taxes
−$2,619
− Insurance
−$1,150
− Repairs & maintenance
−$2,029
− Management
−$2,029
− Depreciation
−$6,691
Taxable loss
−$2,037
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$489
After-tax cash flow
$2,284/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Douglas County
NCES district ID
1301860
Math proficiency
23% ▼ -16.00%
Reading proficiency
35% ▼ -11.00%
Median HH income
$55,335
Composite
25.84/100
National rank
#7353
State rank
#92 of 174 in GA

Livability — Douglasville

Score
71/100
State rank
#82
US rank
#6971

Category grades

Amenities F Commute C+ Cost of living A+ Crime F Employment C Housing A+ Health & safety B User ratings B-

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Douglas County · 141,416 people
City population
114,380
Metro
Atlanta-Sandy Springs-Alpharetta, GA
Population (ZIP)
47,580
Household income
$76,574
Rent vs Own
34.4% rent · 65.6% own
Severe rent burden
1339.0

Population outlook (Douglas County) Hauer SSP2

Today (2025)
163,022 people
By 2030
173,956 · +6.7%
By 2040
196,859 · +20.8%
By 2050
220,017 · +35.0%
By 2075
279,831 · +71.7%
By 2100
322,702 · +97.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.65)
Race & ethnicity
Black 44% White 37% Hispanic / Latino 13% Two or more races 7%
Hispanic origin (detail)
Mexican 8% Puerto Rican 1%
Common ancestry
Slovak 2% Lithuanian 1% Serbian 1%
Foreign-born
8% · Canada
Languages at home
86% English-only · Spanish 11% Other Indo-European 1%

Political lean MEDSL · Douglas

2024 margin
Solid D (+31.4) · D 65.4% · R 33.9%
2008→2024 swing
+29.6pp toward D · 2008: 1.8pp · 2024: 31.4pp
All cycles
2024: D+31.4 2020: D+25.1 2016: D+10.8 2012: D+4.0 2008: D+1.8

Not yet ingested

Civics

Market trends

HPI YoY
▼ -70.36%
Current HPI
243.9426
Rent YoY
▬ 0.03%
Metro
Atlanta-Sandy Springs-Alpharetta, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+405.5% since first listed
53 events — show timeline
  • 2026-05-18 Pending GAMLS
  • 2026-05-18 Pending FMLS
  • 2026-05-18 Price Changed $230,000 GAMLS
  • 2026-05-18 Price Changed $230,000 FMLS
  • 2026-04-09 Listed $219,000 FMLS
  • 2026-04-09 Listed $219,000 GAMLS
  • 2026-01-15 Listing Removed FMLS
  • 2026-01-15 Listing Removed GAMLS
  • 2025-12-02 Listed $249,000 FMLS
  • 2025-12-02 Listed $249,000 GAMLS
  • 2025-10-06 Relisted GAMLS
  • 2025-10-06 Listing Removed GAMLS
  • 2025-05-05 Pending GAMLS
  • 2025-05-05 Pending FMLS
  • 2025-05-03 Listing Removed FMLS
  • 2025-04-29 Listed $255,000 FMLS
  • 2025-04-29 Listed $255,000 GAMLS
  • 2025-03-31 Listing Removed FMLS
  • 2025-03-31 Listing Removed GAMLS
  • 2025-03-03 Relisted FMLS
  • 2025-03-03 Relisted GAMLS
  • 2025-02-22 Pending GAMLS
  • 2025-02-22 Pending FMLS
  • 2025-02-05 Price Changed $247,999 FMLS
  • 2025-02-05 Price Changed $247,999 GAMLS
  • 2024-12-13 Relisted GAMLS
  • 2024-12-13 Relisted FMLS
  • 2024-12-06 Pending GAMLS
  • 2024-12-06 Pending FMLS
  • 2024-11-24 Price Changed $249,999 FMLS
  • 2024-11-24 Price Changed $249,999 GAMLS
  • 2024-10-22 Price Changed $258,000 GAMLS
  • 2024-10-22 Price Changed $258,000 FMLS
  • 2024-10-01 Price Changed $265,000 GAMLS
  • 2024-10-01 Price Changed $265,000 FMLS
  • 2024-09-12 Listed $275,000 FMLS
  • 2024-09-12 Listed $275,000 GAMLS
  • 2024-09-05 Listing Removed GAMLS
  • 2024-09-05 Listing Removed FMLS
  • 2024-04-08 Price Changed $264,900 GAMLS
  • 2024-04-08 Price Changed $264,900 FMLS
  • 2024-03-08 Listed $275,000 GAMLS
  • 2024-03-08 Listed $275,000 FMLS
  • 2023-05-24 Sold (MLS) $255,000 FMLS
  • 2023-05-24 Sold (MLS) $255,000 GAMLS
  • 2023-04-23 Pending FMLS
  • 2023-04-19 Pending GAMLS
  • 2023-04-19 Contingent FMLS
  • 2023-04-10 Listed $249,900 FMLS
  • 2023-04-10 Listed $249,900 GAMLS
  • 2022-12-30 Sold (Public Records) $149,000 Public Records
  • 2002-05-30 Sold (Public Records) $74,400 Public Records
  • 1995-05-03 Sold (Public Records) $45,500 Public Records

Property tax history

+6.1%/yr

Latest (2025): $2,619 · -0.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…